{"id":5218,"date":"2020-03-20T11:07:36","date_gmt":"2020-03-20T11:07:36","guid":{"rendered":"https:\/\/innotech-vn.com\/?p=5218"},"modified":"2024-06-04T17:55:24","modified_gmt":"2024-06-04T10:55:24","slug":"ekyc-vaccine-cho-ngan-hang-viet-nam-vuot-dich-covid-19","status":"publish","type":"post","link":"https:\/\/innotech-vn.com\/vie\/ekyc-vaccine-cho-ngan-hang-viet-nam-vuot-dich-covid-19\/","title":{"rendered":"eKYC – Vaccine cho Ng\u00e2n H\u00e0ng Vi\u1ec7t Nam v\u01b0\u1ee3t d\u1ecbch Covid-19"},"content":{"rendered":"
T\u00ecnh h\u00ecnh d\u1ecbch Covid-19 \u0111ang di\u1ec5n bi\u1ebfn r\u1ea5t c\u0103ng th\u1eb3ng tr\u00ean to\u00e0n c\u1ea7u n\u00f3i chung v\u00e0 Vi\u1ec7t Nam n\u00f3i ri\u00eang. Nhi\u1ec1u nh\u00e0 chuy\u00ean m\u00f4n \u0111\u00e3 d\u1ef1 \u0111o\u00e1n r\u1eb1ng d\u1ecbch b\u1ec7nh c\u00f3 th\u1ec3 k\u00e9o d\u00e0i v\u00e0 kh\u00f3 th\u1ec3 kh\u1ed1ng ch\u1ebf trong th\u1eddi gian ng\u1eafn. V\u1eady h\u00e3y th\u1eed h\u00ecnh dung b\u1ee9c tranh s\u1eafp t\u1edbi \u1ea3nh h\u01b0\u1edfng c\u1ee7a Covid-19 \u0111\u1ebfn ng\u00e0nh ng\u00e2n h\u00e0ng<\/a><\/strong>nh\u01b0 th\u1ebf n\u00e0o?<\/span><\/p>\n T\u00f3m l\u1ea1i, ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 m\u1ed9t doanh nghi\u1ec7p, c\u0169ng \u0111ang kinh doanh v\u00e0 ch\u1eafc ch\u1eafn s\u1ebd b\u1ecb \u1ea3nh h\u01b0\u1edfng v\u1edbi vi\u1ec7c n\u1ee3 x\u1ea5u, thu v\u00e0o th\u00ec \u00edt, nh\u01b0ng nguy c\u01a1 chi ra th\u00ec nhi\u1ec1u.\u00a0<\/span><\/p>\n V\u1eady c\u00f3 c\u00e1ch n\u00e0o \u0111\u1ec3 gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam c\u00f3 th\u00eam l\u1ee3i th\u1ebf c\u1ea1nh tranh v\u00e0 \u00edt t\u1ed5n th\u1ea5t nh\u1ea5t trong cu\u1ed9c kh\u1ee7ng ho\u1ea3ng kinh t\u1ebf 2020 n\u00e0y kh\u00f4ng?\u00a0<\/b><\/span><\/p>\n Innotech xin gi\u1edbi thi\u1ec7u \u0111\u1ebfn c\u00e1c b\u1ea1n gi\u1ea3i ph\u00e1p eKYC<\/strong><\/a>, kh\u00f4ng nh\u1eefng c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 kh\u00f3 kh\u0103n hi\u1ec7n t\u1ea1i m\u00e0 c\u00f2n mang t\u00ednh b\u1ec1n v\u1eefng cho ng\u00e2n h\u00e0ng sau m\u00f9a d\u1ecbch covid-19<\/span><\/p>\n <\/p>\n <\/p>\n KYC (Know Your Customer) <\/b><\/a>c\u00f3 ngh\u0129a l\u00e0 Bi\u1ebft kh\u00e1ch h\u00e0ng c\u1ee7a b\u1ea1n; l\u00e0 quy tr\u00ecnh \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh v\u00e0 x\u00e1c minh danh t\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng khi m\u1edf t\u00e0i kho\u1ea3n v\u00e0 \u0111\u1ecbnh k\u1ef3 theo th\u1eddi gian. N\u00f3i c\u00e1ch kh\u00e1c, c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u1ea3m b\u1ea3o r\u1eb1ng kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd th\u1ef1c s\u1ef1 l\u00e0 ng\u01b0\u1eddi m\u00e0 h\u1ecd \u0111\u00e3 \u0111\u0103ng k\u00fd. C\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 t\u1eeb ch\u1ed1i m\u1edf t\u00e0i kho\u1ea3n ho\u1eb7c t\u1ea1m d\u1eebng m\u1ed1i quan h\u1ec7 kinh doanh n\u1ebfu kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u KYC t\u1ed1i thi\u1ec3u.\u00a0<\/span><\/p>\n eKYC<\/a> <\/b>l\u00e0 \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng \u0111i\u1ec7n t\u1eed d\u1ef1a tr\u00ean quy tr\u00ecnh KYC<\/a><\/b>\u00a0l\u00e0 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ngh\u1ec7 v\u00e0 \u0111\u1ec3 \u0111\u01a1n gi\u1ea3n h\u00f3a c\u00e1c th\u1ee7 t\u1ee5c, gi\u1ea5y t\u1edd, t\u1ea1o thu\u1eadn l\u1ee3i cho kh\u00e1ch h\u00e0ng, hi\u1ec7n nay c\u00e1c ng\u00e2n h\u00e0ng \u1edf nhi\u1ec1u qu\u1ed1c gia v\u1edbi s\u1ef1 ch\u1ea5p thu\u1eadn c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd c\u00f3 th\u1ea9m quy\u1ec1n, \u0111\u00e3 v\u00e0 \u0111ang chuy\u1ec3n sang h\u00ecnh th\u1ee9c nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng qua ph\u01b0\u01a1ng th\u1ee9c \u0111i\u1ec7n t\u1eed.<\/span><\/p>\n KYC h\u1ed7 tr\u1ee3 nh\u1eadn di\u1ec7n kh\u00e1ch h\u00e0ng ph\u00e1t hi\u1ec7n r\u1eeda ti\u1ec1n v\u00e0 gian l\u1eadn<\/span><\/i><\/p>\n <\/p>\n <\/p>\n Ti\u1ebft ki\u1ec7m th\u1eddi gian cho qu\u00e1 tr\u00ecnh onboarding: <\/b>Gi\u1ea3i ph\u00e1p eKYC mang l\u1ea1i cho c\u00e1c ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh l\u00e0 \u0111\u1ea9y nhanh qu\u00e1 tr\u00ecnh onboarding v\u00e0 ti\u1ebft ki\u1ec7m th\u1eddi gian x\u1eed l\u00fd, x\u00e1c minh th\u00f4ng tin c\u1ee7a kh\u00e1ch h\u00e0ng ( to\u00e0n b\u1ed9 quy tr\u00ecnh \u0111\u1ec1u th\u1ef1c hi\u1ec7n tr\u00ean online, h\u1ea1n ch\u1ebf ti\u1ebfp x\u00fac tr\u1ef1c ti\u1ebfp)<\/span><\/p>\n Ti\u1ebft ki\u1ec7m chi ph\u00ed:<\/b> Khi x\u00e1c minh kh\u00e1ch h\u00e0ng tr\u1ef1c tuy\u1ebfn th\u00f4ng qua c\u00e1c c\u00f4ng ngh\u1ec7 nh\u01b0 OCR<\/strong><\/a>, video recognition, face matching…, ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 gi\u1ea3m thi\u1ec3u chi ph\u00ed\u00a0 v\u1ea5n, \u0111\u00e0o t\u1ea1o nh\u00e2n vi\u00ean th\u1ea9m \u0111\u1ecbnh chuy\u00ean nghi\u1ec7p. Ngo\u00e0i ra, c\u00f2n gi\u1ea3m thi\u1ec3u sai s\u00f3t nh\u1eadn d\u1ea1ng do con ng\u01b0\u1eddi g\u00e2y ra, b\u1edfi t\u1ed5n th\u1ea5t c\u1ee7a vi\u1ec7c n\u00e0y x\u1ea3y ra gian l\u1eadn l\u00e0 v\u00f4 c\u00f9ng nghi\u00eam tr\u1ecdng.<\/span><\/p>\n C\u1ea3i thi\u1ec7n b\u1ea3o m\u1eadt:<\/b> H\u1ec7 th\u1ed1ng x\u00e1c minh b\u1eb1ng video call \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi ph\u1ea7n m\u1ec1m t\u1ef1 \u0111\u1ed9ng, c\u00f4ng ngh\u1ec7 AI nh\u1eadn d\u1ea1ng khu\u00f4n m\u1eb7t v\u00e0 m\u00e1y h\u1ecdc n\u00e2ng cao. Do \u0111\u00f3, n\u00f3 l\u00e0 v\u01b0\u1ee3t tr\u1ed9i h\u01a1n so v\u1edbi c\u00e1c gi\u1ea3i ph\u00e1p x\u00e1c minh danh t\u00ednh truy\u1ec1n th\u1ed1ng.<\/span><\/p>\n Gi\u1ea3m thi\u1ec3u r\u1ee7i ro t\u00e0i ch\u00ednh:<\/b> eKYC l\u00e0 \u201ckh\u1eafc tinh” c\u1ee7a c\u00e1c t\u1ed9i ph\u1ea1m t\u00e0i ch\u00ednh, v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng r\u1eeda ti\u1ec1n, b\u1edfi v\u00ec m\u1ee9c x\u00e1c th\u1ef1c th\u1ef1c th\u1ec3 s\u1ed1ng v\u00e0 \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng v\u1edbi t\u1ef7 l\u1ec7 ch\u00ednh x\u00e1c kh\u00e1 cao.\u00a0<\/span><\/p>\n Thu th\u1eadp d\u1eef li\u1ec7u:<\/b> T\u1ea5t c\u1ea3 c\u00e1c t\u01b0\u01a1ng t\u00e1c \u0111\u01b0\u1ee3c ghi l\u1ea1i v\u00e0 l\u01b0u tr\u1eef c\u00f3 th\u1ec3 l\u00e0 t\u00e0i li\u1ec7u tham kh\u1ea3o trong t\u01b0\u01a1ng lai.<\/span><\/p>\n Ho\u00e0 nh\u1eadp xu h\u01b0\u1edbng v\u00e0 tr\u00e1nh b\u1ecb l\u1ed7i th\u1eddi: <\/b>khi kh\u00e1ch h\u00e0ng thay \u0111\u1ed5i h\u00e0nh vi sang s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 nhi\u1ec1u h\u01a1n th\u00ec ng\u00e2n h\u00e0ng c\u0169ng ph\u1ea3i thay \u0111\u1ed5i theo. N\u1ebfu kh\u00f4ng, cho d\u00f9 ngu\u1ed3n l\u1ef1c t\u00e0i ch\u00ednh c\u00f3 v\u1eefng m\u1ea1nh, lu\u1eadt ng\u00e2n h\u00e0ng c\u00f3 ch\u1eb7t ch\u1ebd th\u00ec c\u00e1c \u00f4ng l\u1edbn trong ng\u00e0nh ng\u00e2n h\u00e0ng v\u1eabn s\u1ebd lung tai trong t\u01b0\u01a1ng lai g\u1ea7n.<\/span><\/p>\n D\u1ec5 d\u00e0ng tri\u1ec3n khai Marketing v\u1edbi big data: <\/b>Quy tr\u00ecnh eKYC<\/strong><\/a> gi\u00fap l\u01b0\u1ee3ng accounts c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 t\u0103ng ch\u00f3ng m\u1eb7t. V\u00e0 nh\u1edd v\u00e0o c\u00f4ng ngh\u1ec7 AI, ph\u00e2n t\u00edch big data, c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 ra nh\u1eefng chi\u1ebfn l\u01b0\u1ee3c Marketing ph\u00f9 h\u1ee3p \u0111\u1ec3 gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng v\u00e0 t\u1ea1o s\u1ef1 trung th\u00e0nh.<\/p>\n <\/p>\n Quy tr\u00ecnh KYC c\u01a1 b\u1ea3n<\/p>\n <\/p>\n Thu\u1eadn ti\u1ec7n:<\/b> B\u1ea1n kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u1ebfn ng\u00e2n h\u00e0ng hay t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh khi mu\u1ed1n tr\u1edf th\u00e0nh kh\u00e1ch h\u00e0ng m\u1edbi. Qu\u00e1 tr\u00ecnh c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u1edf b\u1ea5t c\u1ee9 \u0111\u00e2u v\u00e0 b\u1ea5t c\u1ee9 l\u00fac n\u00e0o ch\u1ec9 v\u1edbi chi\u1ebfc \u0111i\u1ec7n tho\u1ea1i smartphone \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i internet.<\/span><\/p>\n Quy tr\u00ecnh nhanh ch\u00f3ng v\u00e0 \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn r\u00f5 r\u00e0ng:<\/b> Qu\u00e1 tr\u00ecnh \u0111\u0103ng k\u00fd d\u1ecbch v\u1ee5 x\u1ea3y ra nhanh ch\u00f3ng v\u00e0 \u0111\u01a1n gi\u1ea3n, cung c\u1ea5p cho kh\u00e1ch h\u00e0ng tr\u1ea3i nghi\u1ec7m tuy\u1ec7t v\u1eddi. M\u1ed7i y\u00eau c\u1ea7u s\u1ebd c\u00f3 t\u00e0i li\u1ec7u h\u01b0\u1edbng d\u1eabn \u0111\u1ea7y \u0111\u1ee7 v\u00e0 m\u1ea5t kho\u1ea3ng 5 \u0111\u1ebfn 7 ph\u00fat \u0111\u1ec3 ho\u00e0n th\u00e0nh.<\/span><\/p>\n X\u1eed l\u00fd th\u1eddi gian th\u1ef1c v\u00e0 ph\u00ea duy\u1ec7t nhanh h\u01a1n:<\/b> X\u1eed l\u00fd real-time c\u00f3 ngh\u0129a l\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c x\u00e1c minh ngay l\u00fac th\u1ef1c hi\u1ec7n y\u00eau c\u1ea7u v\u00e0 nhanh h\u01a1n so v\u1edbi s\u1eed d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ph\u00e1p \u0111\u0103ng k\u00fd th\u00f4ng th\u01b0\u1eddng.<\/span><\/p>\n K\u1ebft h\u1ee3p thanh to\u00e1n online cho c\u00e1c b\u00ean li\u00ean k\u1ebft: <\/b>c\u00e1c ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng c\u00f3 nh\u1eefng chi\u1ebfn d\u1ecbch Marketing k\u1ebft h\u1ee3p v\u1edbi c\u00e1c b\u00ean th\u1ee9 3 nh\u1eb1m mang l\u1ea1i nhi\u1ec1u gi\u00e1 tr\u1ecb nh\u1ea5t cho kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh, v\u00ec th\u1ebf m\u00e0 vi\u1ec7c ho\u1ea1t \u0111\u1ed9ng t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng online c\u1ee7a kh\u00e1ch h\u00e0ng ng\u00e0y c\u00e0ng m\u1ea1nh m\u1ebd v\u00e0 d\u1ea7n tr\u1edf th\u00e0nh h\u00e0nh vi.<\/span><\/p>\n <\/p>\n eKYC l\u00e0m t\u0103ng tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng ch\u1ec9 b\u1eb1ng c\u00e1c thao t\u00e1c \u0111\u01a1n gi\u1ea3n v\u00e0 ti\u1ebft ki\u1ec7m th\u1eddi gian onboarding\u00a0<\/span><\/p>\n <\/p>\n Vi\u1ec7c tri\u1ec3n khai gi\u1ea3i ph\u00e1p eKYC<\/strong><\/a> cho ng\u00e2n h\u00e0ng s\u1ebd m\u1ea5t kho\u1ea3ng 3-6 th\u00e1ng. V\u00e0 c\u00f3 th\u1ec3 n\u00f3i \u0111\u00e2y l\u00e0 th\u1eddi \u0111i\u1ec3m v\u00e0ng \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng nh\u00ecn l\u1ea1i v\u00e0 quy\u1ebft \u0111\u1ecbnh chi\u1ebfn l\u01b0\u1ee3c kinh doanh c\u1ee7a m\u00ecnh m\u1ea1nh m\u1ebd, tr\u01b0\u1edbc t\u00ecnh h\u00ecnh di\u1ec5n bi\u1ebfn ph\u1ee9c t\u1ea1p c\u1ee7a kinh t\u1ebf v\u00e0 h\u00e0nh vi ng\u01b0\u1eddi d\u00f9ng h\u1ea7u nh\u01b0 s\u1ebd b\u1ecb thay \u0111\u1ed5i ho\u00e0n to\u00e0n sang online sau khi d\u1ecbch \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t. Sau 6 th\u00e1ng, khi m\u00e0 n\u1ec1n kinh t\u1ebf b\u1eaft \u0111\u1ea7u h\u1ed3i ph\u1ee5c, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 ho\u00e0n thi\u1ec7n gi\u1ea3i ph\u00e1p eKYC s\u1ebd s\u1eb5n s\u00e0ng cho m\u1ed9t \u0111\u1ee3t \u0111\u1ed5i m\u1edbi v\u00e0 ti\u00ean phong. Hi\u1ec7n t\u1ea1i, eKYC Vi\u1ec7t Nam<\/strong><\/a> \u0111ang \u0111\u01b0\u1ee3c tri\u1ec3n khai m\u1ea1nh m\u1ebd trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng nh\u01b0 VP Bank, HD Bank, ..<\/span><\/p>\n <\/p>\n\n
KYC v\u00e0 eKYC l\u00e0 g\u00ec?<\/strong><\/span><\/h2>\n
<\/h1>\n
T\u1ea1i sao eKYC l\u00e0 c\u1ee9u c\u00e1nh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng:\u00a0<\/strong><\/span><\/h2>\n
\u0110\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng:\u00a0<\/strong><\/h3>\n
\u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng:<\/strong><\/h3>\n
T\u1ea1i sao n\u00ean tri\u1ec3n khai eKYC ngay l\u00fac n\u00e0y?\u00a0<\/strong><\/span><\/h2>\n